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珀斯新移民指南 Moving to Perth Guide

抵达珀斯后必做的五件事 — TFN、银行卡、手机卡（含 eSIM 指南）、Medicare、驾照 — 一篇搞定

Five things to do after arriving in Perth — TFN, bank, phone plan (with eSIM guide), Medicare, driver's license — all in one guide

🎯 5件必做事5 Must-Dos 📱 实用APPEssential Apps 🤝 社区资源Community

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✅ 5件必做事✅ 5 Must-Dos 📱 手机卡📱 Mobile 📱 eSIM📱 eSIM 🏦 银行卡🏦 Bank 🏥 Medicare🏥 Medicare 📲 常用APP📲 Apps 🤝 社区资源🤝 Community

✅ 抵达珀斯后必做的5件事5 Things To Do After Arriving ▼

1
🇦🇺 申请 TFN（税号）Apply for TFN (Tax File Number)
TFN 是你在澳洲工作、报税、存银行（避免高额利息税）的必备号码。免费！ 在线申请（ato.gov.au/TFN），提交护照和签证信息。通常2–4周寄到你的澳洲地址。学生/打工度假签/PR都可申请。 TFN is essential for working, filing taxes, and earning bank interest (without TFN, you're taxed at the highest rate). Free! Apply online at ato.gov.au/TFN with passport and visa details. Arrives by post in 2–4 weeks. Available for students, WHV holders, PR.
2
🏦 开银行账户Open a Bank Account
到了珀斯第一周就开银行账户。推荐四大银行（Commonwealth, NAB, Westpac, ANZ），带护照和签证直接去网点开，当场拿银行卡。可问留学生账户（通常免月费）。更详细对比请查看银行开户指南。 Open a bank account in your first week. The Big Four (Commonwealth, NAB, Westpac, ANZ) accept passport + visa at any branch, instant card issuance. Ask about student accounts (usually fee-free). See our Banking Guide for comparisons.
3
📱 办手机卡Get a SIM / Phone Plan
短期（旅行/打工度假）：买预付费SIM卡，超市/便利店/运营商门店都有卖。推荐 Boost（使用Telstra网络，信号最好）或 Amaysim（便宜）。长期（学生/PR）：签合约机或每月的 Plan，Telstra/Optus/Vodafone 三大网络任选。

📱 eSIM 更方便！ iPhone XS/三星S20 及以后机型大多支持 eSIM，网上买完扫码激活，不用等实体卡邮寄，几分钟搞定。详见下方 eSIM 专节。 Short-term (travel/WHV): Buy a prepaid SIM at supermarkets, convenience stores or carrier shops. Boost (Telstra network, best coverage) or Amaysim (affordable). Long-term (students/PR): Monthly plans or phone contracts from Telstra, Optus or Vodafone.

📱 eSIM is even easier! iPhone XS/Samsung S20 and newer support eSIM. Buy online, scan QR code, activate in minutes — no physical SIM needed. See eSIM section below.
4
🏥 注册 Medicare（医保）Register for Medicare
如果你持有PR、新西兰公民或某些特定签证（如部分难民签证），可以免费注册澳洲公立医疗保险 Medicare。申请后拿到临时号码（可立即使用），正式卡2–3周寄到。
⚠️ 留学生和学生签通常不能注册 Medicare，需要购买 OSHC（海外学生健康保险），由学校统一安排。 PR holders, NZ citizens, and holders of certain specific visas can register for Australia's free public health system. Get a temporary Medicare number immediately after applying; the physical card arrives in 2–3 weeks.
⚠️ International students generally cannot register for Medicare — you need OSHC (Overseas Student Health Cover) arranged through your school.
5
🪪 驾照翻译/转换License Translation / Transfer
PR/公民必须在入境3个月内将海外驾照转为WA驾照。旅游签和学生签可使用海外驾照+NAATI翻译件开车。具体流程查看西澳驾照攻略。 PR/Citizens must transfer their overseas license to a WA license within 3 months of arrival. Visitor/student visa holders can drive on overseas license + NAATI translation. See our WA Driver's License Guide for details.

🇦🇺 TFN（税号）申请TFN Application ▼

TFN（Tax File Number）是每个人在澳洲税务系统的唯一身份标识。

为什么要申请TFN？ 雇主发工资时需要你提供；银行需要你的TFN否则利息按最高税率（47%）扣税；报税时需要。

申请网址： ato.gov.au/TFN
所需材料： 护照、签证详细信息、澳洲地址
处理时间： 2–4周（邮寄到你的澳洲地址）
费用： 免费！

重要： TFN是和你的身份绑定的，即使离开澳洲也不会作废。但如果你离开澳洲超过6年，ATO可能会注销你的TFN。一定要保管好！

替代方案： 如果暂时没有固定地址无法收信，可以先去银行开户，用银行地址收信。

TFN (Tax File Number) is your unique identifier in Australia's tax system.

Why you need it: Your employer needs it for payroll; banks need it otherwise interest is taxed at 47%; necessary for tax returns.

Apply at: ato.gov.au/TFN
Required: Passport, visa details, Australian address
Processing time: 2–4 weeks (mailed to your Australian address)
Cost: Free!

Important: TFN stays with you even if you leave Australia. It may be cancelled if you're gone for over 6 years. Keep it safe!

Alternative: If you don't have a fixed address yet, open a bank account first and use the bank's address to receive mail.

🌐 ato.gov.au/TFN💰 免费📬 2–4周邮寄

📱 手机卡选择Mobile Plans ▼

📶

Telstra 🔗

覆盖最广，信号最好Best coverage

预付 $30–$60/月Prepaid $30–$60/m

📶 4G/5G🏔️ 偏远地区首选

🟢

Optus 🔗

性价比不错，城市信号好Good value, strong city

预付 $25–$50/月Prepaid $25–$50/m

🎵 含音乐/视频流量

🔴

Vodafone 🔗

最便宜，城市覆盖足够Cheapest, city OK

预付 $20–$45/月Prepaid $20–$45/m

🌏 5G漫游国家多💸 留学生优惠多

⚡

Boost 🔗

用Telstra网络·便宜Telstra network·cheap

预付 $30–$50/月Prepaid $30–$50/m

📶 全Telstra覆盖🔥 强烈推荐

💛

Amaysim 🔗

超便宜·Optus网络Ultra cheap·Optus

预付 $10–$35/月Prepaid $10–$35/m

💰 性价比之选

🌱

ALDI Mobile 🔗

Telstra网络·超便宜Telstra network·cheap

预付 $15–$35/月Prepaid $15–$35/m

🛒 ALDI超市有卖📶 Telstra网络

💡 选卡建议SIM Recommendations

如果你要去偏远地区/旅行（国家公园、公路旅行） → 选 Telstra 或 Boost（用Telstra网络）
如果你主要在珀斯市区活动 → Optus 或 Amaysim 足够
最省钱的方案 → Amaysim / ALDI Mobile / Kogan Mobile
最高性价比 → Boost（用Telstra优质网络但价格只有一半）
留学生群体 → Vodafone 经常有留学生优惠套餐，还可打国际长途

If you go remote/travel (national parks, road trips) → Telstra or Boost (uses Telstra network)
If you stay in Perth metro → Optus or Amaysim is sufficient
Cheapest options → Amaysim / ALDI Mobile / Kogan Mobile
Best value → Boost (Telstra premium network at half price)
Students → Vodafone often has student deals with international calling

📱 eSIM 电子SIM卡指南eSIM Digital SIM Guide ▼

💡 什么是 eSIM？What is eSIM? NEW

eSIM（Embedded SIM）是内嵌在手机里的虚拟 SIM 卡，不需要插拔实体卡。网上买套餐 → 收到二维码 → 手机扫码 → 激活完成，几分钟搞定，不用等邮寄，到了澳洲就能用。

一个手机可以存多个 eSIM（通常 5–8 个），配合实体卡实现双卡双待——比如中国卡 + 澳洲卡同时在线。

eSIM (Embedded SIM) is a digital SIM built into your phone — no physical card needed. Buy a plan online → receive QR code → scan with phone → done, all in minutes. No waiting for mail delivery, ready to use the moment you land in Australia.

Store multiple eSIMs on one phone (usually 5–8), plus a physical SIM for dual-SIM mode — e.g. keep your home country number active alongside your Australian one.

📱 扫码激活⏱️ 几分钟📦 无需实体卡🌏 双卡双待

📶 哪些运营商支持 eSIM？Which carriers support eSIM?

Telstra	✅ 预付 + 后付全部支持Prepaid & Postpaid · 覆盖最广Best coverage
Optus	✅ 预付 + 后付全部支持Prepaid & Postpaid · 城市覆盖好Strong metro
Vodafone	✅ 预付 + 后付全部支持Prepaid & Postpaid · 价格实惠·留学生优惠Affordable·Student deals
Boost	✅ 预付 eSIM 支持Prepaid eSIM · Telstra 全网覆盖Full Telstra network · 性价比之王Best value
Belong	✅ 预付 eSIM 支持（Telstra 网络）Prepaid eSIM (Telstra network)
Amaysim	✅ 部分套餐支持 eSIM（Optus 网络）Selected plans (Optus network)
ALDI Mobile	✅ 预付 eSIM 支持（Telstra 网络）Prepaid eSIM (Telstra network)
felix	✅ 仅 eSIM·无限流量限速（Vodafone 网络）eSIM only·Unlimited throttled (Vodafone)
Kogan Mobile	✅ 预付 eSIM 支持（Vodafone 网络）Prepaid eSIM (Vodafone network)

🛒 怎么买 eSIM？How to buy an eSIM?

1
确认手机支持 eSIMCheck phone compatibility
iPhone XS 及以后 · 三星 S20 及以后 · Google Pixel 3 及以后 · 大部分 2020 年后旗舰机都支持。设置里搜 "eSIM" 确认。 iPhone XS and newer · Samsung S20 and newer · Google Pixel 3 and newer · Most flagship phones from 2020+. Search "eSIM" in Settings to confirm.
2
选套餐、网上购买Choose plan & buy online
去运营商官网（Telstra/Optus/Vodafone/Boost 等），选 eSIM 套餐，在线支付。付款后立即收到含二维码的邮件。⚠️ 需要护照/驾照做身份验证（澳洲法律要求）。 Go to the carrier website (Telstra/Optus/Vodafone/Boost etc), choose an eSIM plan, pay online. You'll receive a QR code via email instantly. ⚠️ Australian law requires ID verification (passport/driver's licence).
3
扫码激活（2分钟）Scan & activate (2 min)
iPhone: 设置 → 蜂窝网络 → 添加 eSIM → 扫描二维码
Android: 设置 → 连接 → SIM 卡管理器 → 添加 eSIM → 扫描二维码
搞定！🎉 iPhone: Settings → Cellular → Add eSIM → Scan QR
Android: Settings → Connections → SIM Manager → Add eSIM → Scan QR
Done! 🎉

👍 eSIM 优缺点总结eSIM Pros & Cons

✅ 优点： 不用等邮寄·到了就能用 · 换运营商秒切 · 多卡共存（旅行超方便）· 不怕丢卡
⚠️ 注意： 旧手机不支持（2019年前机型大部分不行）· 部分廉价 MVNO 还没有 eSIM · 转网到新手机需要重新下载 eSIM

✅ Pros: No waiting for mail · Ready on arrival · Instant carrier switch · Multi-SIM for travel · Can't lose the card
⚠️ Cons: Older phones not supported (pre-2019 mostly not) · Some budget MVNOs still no eSIM · Transferring to a new phone requires re-downloading eSIM

🎯 推荐：到澳洲第一个月用 eSIM 预付卡Tip: Start with eSIM prepaid for your first month

🏦 银行卡开户Bank Account ▼

四大银行——Commonwealth、NAB、Westpac、ANZ——网点遍布珀斯，开户流程简单。带护照+签证信去任意网点，当场开好，当场拿借记卡（Debit Card），当天可用手机银行。

详细的银行对比、留学生优惠和转账方式请查看我们的银行开户指南 →

The Big Four — Commonwealth, NAB, Westpac, ANZ — all have branches across Perth. Simple process: bring passport + visa letter to any branch, open instantly, get your debit card on the spot, use mobile banking immediately.

For detailed comparisons, student offers and transfer methods, see our Banking Guide →

🆔 护照+签证💳 当场拿卡📱 手机银行

🏥 Medicare 注册Medicare Registration ▼

谁可以注册 Medicare？
✅ 澳洲PR（永久居民）✅ 澳洲公民 ✅ 新西兰公民 ✅ 某些特殊签证持有者
❌ 留学生（学生签）❌ 打工度假签 ❌ 旅游签 ❌ 482/485临时技术签

注册流程：
① 下载 Medicare Enrollment Form 或去服务中心现场填
② 带护照、签证信、银行账户信息去 Services Australia 服务中心
③ 当场给你一个临时Medicare号码（可以立即使用！）
④ 正式卡2–3周寄到家中

Medicare 覆盖什么？
✔️ 免费公立医院治疗 ✔️ 看全科医生（GP）大部分报销（Bulk Billing）
✔️ 部分专科检查和化验 ✔️ 药品福利计划（PBS）折扣药价
❌ 不覆盖：牙科、救护车（WA不免费）、整容、物理治疗等

留学生怎么办？
必须购买 OSHC（海外学生健康保险），学校会帮你安排。常用保险公司：Medibank、Allianz、BUPA、Nib。费用约 $500–$700/年。

Who can enrol in Medicare?
✅ Australian PR ✅ Citizen ✅ NZ citizen ✅ Certain special visa holders
❌ International students ❌ WHV ❌ Tourist visa ❌ 482/485 temp work visa

Process:
① Download the Medicare Enrollment Form or fill in at a Service Centre
② Bring passport, visa letter, bank details to a Services Australia centre
③ Get a temporary Medicare number immediately (usable right away!)
④ Physical card arrives in 2–3 weeks

What Medicare covers:
✔️ Free public hospital treatment ✔️ GP visits (mostly bulk-billed)
✔️ Some specialist tests ✔️ PBS subsidised medications
❌ Not covered: dental, ambulance (not free in WA), cosmetic, physio

Students:
Must purchase OSHC (Overseas Student Health Cover) through your school. Providers: Medibank, Allianz, BUPA, Nib. Approx $500–$700/year.

🏛️ servicesaustralia.gov.au🆓 免费

📲 常用APP推荐Essential Apps ▼

🚌

Transperth

公交/火车/渡轮实时信息Bus/train/ferry live info

🗺️

Google Maps

导航+公共交通路线规划Navigation + PT routes

🧾

ATO app

报税、查PAYG记录Tax returns, PAYG history

🔑

myGov

ATO/Medicare/Centrelink统一登录Single sign-on for ATO/Medicare

🆔

ServiceWA

WA数字驾照+数字身份+COVID证明Digital license + ID + COVID

🚕

Uber / Didi

网约车（Perth Uber较多, DiDi便宜）Rideshare (Uber main, DiDi cheaper)

🍕

Uber Eats / Menulog

外卖送餐Food delivery

🛒

Woolworths / Coles

超市购物+积分卡（Everyday Rewards/Flybuys）Groceries + loyalty cards

🛍️

Amazon AU

澳洲亚马逊·网购Online shopping

🅿️

EasyPark / CellOPark

珀斯路边停车付费APPPerth parking payment apps

⛽

FuelWatch WA

查珀斯每日最低油价（周三最便宜）Perth daily cheapest fuel

🦘

PerthWise 🦊

珀斯小帮手 · 税务/房贷/攻略Your Perth toolkit · Tax/Mortgage/Guides

🤝 社区资源 & 社交圈子Community & Social Groups ▼

Facebook珀斯华人群：
• 珀斯华人生活群 — 二手交易、租房、找工作
• 西澳华人互助群 — 生活信息分享
• 珀斯妈妈群 — 带娃生活交流

微信群： 很多珀斯华人微信群通过本地华人超市/餐厅/教会入口加群。可以现场扫码加入。

Meetup (meetup.com)： 找兴趣小组——徒步、摄影、美食、语言交换。是认识本地外国人朋友的好方式。

小红书 (Xiaohongshu / RED)： 搜索"珀斯"、"Perth"、"珀斯留学"有大量中文攻略和本地推荐。

Eventbrite / Humanitix： 本地活动、workshop、社交活动的票务平台。

社区中心： 珀斯各大区都有社区中心（Community Centre），提供免费英语课（AMEP移民英语课程）、家教、法律咨询等。

Facebook Groups for Chinese in Perth:
• Perth Chinese Community — second-hand, rentals, jobs
• WA Chinese Mutual Help — lifestyle info sharing
• Perth Mums Group — parenting exchange

WeChat Groups: Many Perth Chinese WeChat groups can be joined via QR codes at local Asian supermarkets, restaurants, or churches. Ask around!

Meetup (meetup.com): Interest groups — hiking, photography, food, language exchange. Great for meeting local non-Chinese friends.

Xiaohongshu (RED): Search "Perth" or "珀斯" for tons of Chinese-language guides and local recommendations.

Eventbrite / Humanitix: Ticket platforms for local events, workshops, social gatherings.

Community Centres: Free English classes (AMEP), tutoring, legal advice available at local community centres.

🌐 meetup.com📕 小红书🆓 AMEP免费英语

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重要提示Important Note
本指南信息基于2025–2026年公开资料，仅供参考。签证和医疗服务政策可能随时调整，请以澳洲政府官网（Services Australia/ATO/Home Affairs）为准。 This guide is based on 2025–2026 public information. Visa and service policies may change. Always verify with official Australian Government websites.